{"id":52688,"date":"2025-12-24T05:05:00","date_gmt":"2025-12-24T11:05:00","guid":{"rendered":"https:\/\/www.igssgt.org\/noticias\/?p=52688"},"modified":"2025-12-18T12:53:18","modified_gmt":"2025-12-18T18:53:18","slug":"salud-financiera-y-sus-repercusiones-en-el-estado-de-salud-fisico-y-mental","status":"publish","type":"post","link":"https:\/\/www.igssgt.org\/noticias\/2025\/12\/24\/salud-financiera-y-sus-repercusiones-en-el-estado-de-salud-fisico-y-mental\/","title":{"rendered":"Salud financiera y sus repercusiones en el estado de salud f\u00edsico y mental"},"content":{"rendered":"\n<p class=\"has-drop-cap\">Durante el fin de a\u00f1o los gastos se incrementan; la compra de regalos, pago de deudas y previsi\u00f3n de los pagos de colegiaturas son los principales egresos financieros para la mayor\u00eda de guatemaltecos.<\/p>\n\n\n\n<p>El licenciado, Abiel Estuardo Hern\u00e1ndez, jefe del Departamento de Inversiones de la Subgerencia Financiera del IGSS, aclara que la salud financiera es la capacidad para administrar adecuadamente ingresos, gastos y ahorro, de manera que se puedan cubrir las necesidades actuales, enfrentar emergencias y planificar el futuro econ\u00f3mico con estabilidad y tranquilidad.<\/p>\n<figure id=\"attachment_52691\" aria-describedby=\"caption-attachment-52691\" style=\"width: 719px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-52691\" src=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-300x200.jpeg\" alt=\"\" width=\"719\" height=\"479\" srcset=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-300x200.jpeg 300w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1024x682.jpeg 1024w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-768x512.jpeg 768w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1536x1023.jpeg 1536w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-630x420.jpeg 630w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-696x464.jpeg 696w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-1068x712.jpeg 1068w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM-534x356.jpeg 534w, \/wp-content\/uploads\/sites\/5\/2025\/12\/WhatsApp-Image-2025-12-17-at-9.49.56-AM.jpeg 1600w\" sizes=\"auto, (max-width: 719px) 100vw, 719px\" \/><figcaption id=\"caption-attachment-52691\" class=\"wp-caption-text\">Gastar menos de lo que se gana es la clave para mantener una adecuada econom\u00eda en los hogares.<\/figcaption><\/figure>\n<p>El estr\u00e9s financiero tiene un impacto significativo en la salud f\u00edsica y mental, la preocupaci\u00f3n constante por deudas, falta de ingresos o mala administraci\u00f3n del dinero puede generar ansiedad, insomnio, depresi\u00f3n y enfermedades cr\u00f3nicas, enfatiz\u00f3 Hern\u00e1ndez.<\/p>\n<p>La administraci\u00f3n es clave: la regla 50, 30, 20 puede ser una herramienta oportuna para las finanzas personales, 50 % destinado a gastos b\u00e1sicos, 30 % a gastos variables, personales y deudas y por \u00faltimo el 20 % de nuestros ingresos debe destinarse al ahorro; no obstante los porcentajes pueden ajustarse a la realidad de cada persona.<\/p>\n<p>Durante las fiestas de fin de a\u00f1o es importante mantener un control estricto del presupuesto, evitar gastos innecesarios y no excederse en el uso de tarjetas de cr\u00e9dito (gastar lo que s\u00ed se puede pagar), planificar las compras, priorizar necesidades y evitar decisiones impulsivas ayuda a iniciar el nuevo a\u00f1o con estabilidad financiera.<\/p>\n<figure id=\"attachment_52694\" aria-describedby=\"caption-attachment-52694\" style=\"width: 701px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-52694\" src=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-300x225.jpg\" alt=\"\" width=\"701\" height=\"526\" srcset=\"\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-300x225.jpg 300w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-80x60.jpg 80w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-265x198.jpg 265w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254-534x401.jpg 534w, \/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20254.jpg 560w\" sizes=\"auto, (max-width: 701px) 100vw, 701px\" \/><figcaption id=\"caption-attachment-52694\" class=\"wp-caption-text\">Los expertos recomiendan no hacer listados de compras para no caer en el impulso de adquirir productos innecesarios.<\/figcaption><\/figure>\n<p>\u201cEl bienestar financiero brinda tranquilidad y seguridad, para lograrlo, es fundamental administrar correctamente el dinero, vivir de acuerdo con los ingresos, llevar un presupuesto, ahorrar de forma constante, contar con un fondo de emergencia y planificar el ahorro para la vejez; adoptar estos h\u00e1bitos es dar pasos firmes hacia un futuro financiero m\u00e1s estable\u201d, concluy\u00f3 el profesional.<\/p>\n\r\n                <style type=\"text\/css\">\r\n                    \r\n                    #tdi_1  .td-doubleSlider-2 .td-item1 {\r\n                        background: url(\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20255-80x60.jpg) 0 0 no-repeat;\r\n                    }\r\n                    #tdi_1  .td-doubleSlider-2 .td-item2 {\r\n                        background: url(\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20252-80x60.jpeg) 0 0 no-repeat;\r\n                    }\r\n                    #tdi_1  .td-doubleSlider-2 .td-item3 {\r\n                        background: url(\/wp-content\/uploads\/sites\/5\/2025\/12\/IGSS-salud-financiera-20256-80x60.jpg) 0 0 no-repeat;\r\n   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               \n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante el fin de a\u00f1o los gastos se incrementan; la compra de regalos, pago de deudas y previsi\u00f3n de los pagos de colegiaturas son los principales egresos financieros para la mayor\u00eda de guatemaltecos. El licenciado, Abiel Estuardo Hern\u00e1ndez, jefe del Departamento de Inversiones de la Subgerencia Financiera del IGSS, aclara que la salud financiera es [&hellip;]<\/p>\n","protected":false},"author":3269,"featured_media":52689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[2567,2571,2569,2570,490,2568],"coauthors":[1970],"class_list":{"0":"post-52688","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-actualidad","8":"tag-departamento-de-inversiones-de-la-subgerencia-financiera","9":"tag-estabilidad-financiera","10":"tag-estres-financiero","11":"tag-gastos-de-fin-de-ano","12":"tag-igss","13":"tag-salud-financiera"},"_links":{"self":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/users\/3269"}],"replies":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/comments?post=52688"}],"version-history":[{"count":2,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688\/revisions"}],"predecessor-version":[{"id":52699,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/posts\/52688\/revisions\/52699"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/media\/52689"}],"wp:attachment":[{"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/media?parent=52688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/categories?post=52688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/tags?post=52688"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.igssgt.org\/noticias\/wp-json\/wp\/v2\/coauthors?post=52688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}